The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$91,209
−HK$5,720/mo
▼ 0.25% · 3.875%
HK$94,046
−HK$2,883/mo
Today · 4.125%
HK$96,929
baseline
▲ 0.50% · 4.625%
HK$102,827
+HK$5,898/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$193,858/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$101,469
−HK$5,482/mo
▼ 0.25% · 3.875%
HK$104,190
−HK$2,761/mo
Today · 4.125%
HK$106,951
baseline
▲ 0.50% · 4.625%
HK$112,589
+HK$5,638/mo
Deposit HK$20.00M · loan HK$20.00M · min. income ≈ HK$213,902/mo (50% DSR)
Upfront cash ≈ HK$21.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$109,451
−HK$6,863/mo
▼ 0.25% · 3.875%
HK$112,855
−HK$3,459/mo
Today · 4.125%
HK$116,314
baseline
▲ 0.50% · 4.625%
HK$123,392
+HK$7,078/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$232,628/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$121,763
−HK$6,578/mo
▼ 0.25% · 3.875%
HK$125,029
−HK$3,312/mo
Today · 4.125%
HK$128,341
baseline
▲ 0.50% · 4.625%
HK$135,107
+HK$6,766/mo
Deposit HK$16.00M · loan HK$24.00M · min. income ≈ HK$256,682/mo (50% DSR)
Upfront cash ≈ HK$17.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$127,693
−HK$8,007/mo
▼ 0.25% · 3.875%
HK$131,665
−HK$4,035/mo
Today · 4.125%
HK$135,700
baseline
▲ 0.50% · 4.625%
HK$143,957
+HK$8,257/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$271,400/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$142,057
−HK$7,675/mo
▼ 0.25% · 3.875%
HK$145,867
−HK$3,865/mo
Today · 4.125%
HK$149,732
baseline
▲ 0.50% · 4.625%
HK$157,624
+HK$7,892/mo
Deposit HK$12.00M · loan HK$28.00M · min. income ≈ HK$299,464/mo (50% DSR)
Upfront cash ≈ HK$13.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$164,176
−HK$10,296/mo
▼ 0.25% · 3.875%
HK$169,283
−HK$5,189/mo
Today · 4.125%
HK$174,472
baseline
▲ 0.50% · 4.625%
HK$185,088
+HK$10,616/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$348,944/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$182,644
−HK$9,868/mo
▼ 0.25% · 3.875%
HK$187,543
−HK$4,969/mo
Today · 4.125%
HK$192,512
baseline
▲ 0.50% · 4.625%
HK$202,660
+HK$10,148/mo
Deposit HK$4.00M · loan HK$36.00M · min. income ≈ HK$385,024/mo (50% DSR)
Upfront cash ≈ HK$5.70M (deposit + AVD stamp duty HK$1,699,978 · Scale 2, in force from 26 Feb 2026)